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The First National Bank of Absecon

$100M-$1B Specialty: Other NJ FDIC cert 6442

Absecon, NJ

4 branches across NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
  • Deposits -1.3% year over year ($175.8M on the books).
  • Delinquency rate 0.06%.
  • Return on assets 0.81%.
  • Efficiency ratio 75.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.87% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ
View $100M-$1B leaderboard (NJ) →

The First National Bank of Absecon has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 14.4% in tier

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 12.6% in tier
  • - Flatlined Growth: Bottom 16.6% in tier
  • - ROA 0.51% below tier average
  • - Efficiency Ratio 11.38% above tier average
Get updates when The First National Bank of Absecon releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $195.0M
-0.5% YoY +0.5% QoQ
-$191.6M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $121.1M
-0.9% YoY -2.7% QoQ
-$137.3M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $175.8M
-1.3% YoY +0.6% QoQ
-$150.9M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 0.81%
+21.1% YoY +6.1% QoQ
-0.51% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 4.02%
+5.2% YoY +0.2% QoQ
+0.03% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
54%
Efficiency Ratio ? 75.86%
-0.3% YoY -2.0% QoQ
+11.38% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.06%
-23.8% YoY -4.6% QoQ
-0.85% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 68.87%
+0.4% YoY -3.3% QoQ
-9.08% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
71%
Non-Interest-Bearing Deposit Share ? 20.36%
+3.6% YoY +4.8% QoQ
-1.67% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 0.04%
-24.1% YoY -7.7% QoQ
-0.63% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 10.21%
+1.8% YoY -2.2% QoQ
-5.70% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
Bottom 13.0% in tier
Non-Interest Income / Assets ? 0.11%
-0.9% YoY +103.6% QoQ
-0.45% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Noninterest-Bearing 20.4%
+0.7pp YoY
+0.9pp QoQ
 -1.8pp 22.1% 16.6% 22.2% 47%
Brokered Deposits n/a n/a 7.9% 10.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 4.7%
-1.9pp YoY
-0.6pp QoQ
 -6.9pp 11.6% 6.5% 12.5% 18%
CRE 29.7%
-0.5pp YoY
-0.9pp QoQ
 -9.9pp 39.5% 56.3% 41.4% 34%
1-4 Family 66.1%
+2.1pp YoY
+1.5pp QoQ
 +33.5pp 32.6% 39.4% 31.3% 93%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 4.3% 5.0% 4%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.8% 19.7% n/a
Leverage Ratio 10.2%
+0.2pp YoY
-0.2pp QoQ
 -2.0pp 12.2% 13.4% 12.6% 36%
Total Capital Ratio n/a n/a 19.9% 19.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 35
-2 (-5.4%) YoY
-2 (-5.4%) QoQ
 -24 58 336 482 35%
Assets per Employee ($) $5.6M
+5.2% YoY
+6.2% QoQ
 -$1.9M $7.5M $11.2M $8.8M 24%
Branch Count 4
0 YoY
0 QoQ
 -1 4 20 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 14%
Allowance Coverage 14.25x
+29.3% YoY
+5.6% QoQ
 -9.91x 24.15x 6.57x 20.23x 86%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 8.8%
+0.8pp YoY
+0.5pp QoQ
 -3.4pp 12.2% 6.4% 11.6% 30%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.9% 1.7% 8%
Net Income ($, YTD) $793,000
+21.1% YoY
— QoQ
 -$1.8M $2.6M $19.8M $40.4M 19%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#96 of 659 • Top 14.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk
#84 of 661 • Bottom 12.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.21%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Flatlined Growth

risk
#89 of 529 • Bottom 16.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.81%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

521
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#521 of 2643 Top 19.7% in $100M-$1B
591
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.92%
#591 of 2633 Top 22.4% in $100M-$1B

Top Weaknesses (4 metrics)

2300
Tier 1 Capital Ratio
capital
Value: 10.21%
Peer Median: 15.91%
#2300 of 2643 Bottom 13.0% in $100M-$1B
2142
Efficiency Ratio
profitability
Value: 75.86%
Peer Median: 64.48%
#2142 of 2643 Bottom 19.0% in $100M-$1B
2043
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2043 of 2643 Bottom 22.7% in $100M-$1B
2014
Return on Assets
profitability
Value: 0.81%
Peer Median: 1.32%
#2014 of 2643 Bottom 23.8% in $100M-$1B
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